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Diary of a Poor Person aged 46 1/2

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Comments

  • Gone to bed I'm working tomorrow boo arguing with oh anyway must be just one of those things
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • ruby1968_2
    ruby1968_2 Posts: 498 Forumite
    hi mrscmr have been reading through, gosh you've been busy, you haven't been chewing duracels have you?:rotfl:your such an inspiration, I to looked at my credit file :eek: oh well wass fed up anyway so didn't make a difference.
    :oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 36
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hi happytoget!!!

    have an early night xxxxsleep tight xx
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Well done on looking at your credit file - very brave, I am far too scared to look at mine but no idea why!

    I've not had time to read back but are you still thinking about a DMP?
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    noooo i think maybe u mistaking what i am saying.... yes, i logged into credit expert but only to view the balances on loans etc that i cant see as only get annual statements....
    hahah u think i want to see my credit score? noooooooo i not silly... i know its probably -3934949494... used to be 999 once upon a time.

    actually a nice manfrom mbna told me only recently that it was 855 or something... i sure he was making it up to make me feel better!
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    im off to bed... worked hard this evening listing our delivery of spring / out door items and toys on our ebay shop!!!

    its like christmas when stock arrives! lets hope someone likes them and poeople buy them!

    night night xxx
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi mrsc - well done on your hard work....

    I am okay still trying to find my next job - but hopefully one that is right for me and family friendly
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    well its morning time... another beautiful spring like day!

    happy friday everyone!

    sun is shinning through the windows.. reminding me how dirty they are!!! why is that? oh cos we cancelled the window cleaner months ago... guess its down to me then!

    xx
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Yes, another lovely day, very frosty this morning though, can't wait until it gets warmer. It's Euromillions today so must remember to buy my ticket!!

    We have headlice again, saw one in DD1's hair this morning, couldn't see anything in DD2's hair but didn't have too long to look as we had to leave for school. Checked DD3 when I got in and she had 2 in her hair so have to hunt out the nitty gritty comb and do all our hair today. My head is itching too - aaaarrrrrggggghhhhh
    Sealed Pot Challenge #016
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    oh TMD... nightmare... when child #1 had it he gave it to me.. years ago... was nightmare..

    funny though there was one girl in his class who had headlice for the whole of primary school.. the mothers would all treat their kids and this 1 girl wouldnt get treated. even several years after they have finished primary .. this girl is famour for her head lice.. i think they got soo big that you could see them waving their little feelers from about 6 foot away!

    good luckX
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
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